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How Health Insurance Works
 
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When I consider purchasing an individual health insurance plan for myself or my family, do I have any financial obligations beyond the monthly premium and annual deductible? Answers: It depends on the plan, but some plans have the following cost-sharing elements that you should be aware of. Co-Payments: Some plans include a co-payment, which is typically a specific flat fee you pay for each medical service, such as $30 for an office visit. After the co-payment is made, the insurance company typically pays the remainder of the covered medical charges. Deductibles: Some plans include a deductible, which typically refers to the amount of money you must pay each year before your health insurance plan starts to pay for covered medical expenses. Coinsurance: Some plans include coinsurance. Coinsurance is a cost sharing requirement that makes you responsible for paying a certain percentage of any costs. The insurance company pays the remaining percentage of the covered medical expenses after your insurance deductible is met. Out-of-pocket limit: Some plans include an out-of-pocket limit. Typically, the out-of-pocket limit is the maximum amount you will pay out of your own pocket for covered medical expenses in a given year. The out-of-pocket limit typically includes deductibles and coinsurance. But, out-of-pocket limits don't typically apply to co-payments. Lifetime maximum: Most plans include a lifetime maximum. Typically the lifetime maximum is the amount your insurance plan will pay for covered medical expenses in the course of your lifetime. Exclusions & Limitations: Most health insurance carriers disclose exclusions & limitations of their plans. It is always a good idea to know what benefits are limited and which services are excluded on your plan. You will be obligated to pay for 100% of services that are excluded on your policy. Beginning September 23, 2010, the Patient Protection and Affordable Care Act (health care reform) begins to phase out annual dollar limits. Starting on September 23, 2012, annual limits on health insurance plans must be at least $2 million. By 2014 no new health insurance plan will be permitted to have an annual dollar limit on most covered benefits. Some health insurance plans purchased before March 23, 2010 have what is called "grandfathered status." Health Insurance Plans with Grandfathered status are exempt from several changes required by health care reform including this phase out of annual limits on health coverage. If you purchased your health insurance policy after March 23, 2010 and you're due for a routine preventive care screening like a mammogram or colonoscopy, you may be able to receive that preventive care screening without making a co-payment. You can talk to your insurer or your licensed eHealthInsurance agent if you need help determining whether or not you qualify for a screening without a co-payment. There are five important changes that occurred with individual and family health insurance policies on September 23, 2010. Those changes are: 1. Added protection from rate increases: Insurance companies will need to publically disclose any rate increases and provide justification before raising your monthly premiums. 2. Added protection from having insurance canceled: An insurance company cannot cancel your policy except in cases of intentional misrepresentations or fraud. 3. Coverage for preventive care: Certain recommended preventive services, immunizations, and screenings will be covered with no cost sharing requirement. 4. No lifetime maximums on health coverage: No lifetime limits on the dollar value of those health benefits deemed to be essential by the Department of Health and Human Services. 5. No pre-existing condition exclusions for children: If you have children under the age of 19 with pre-existing medical conditions, their application for health insurance cannot be declined due to a pre-existing medical condition. In some states a child may need to wait for the state's open-enrollment period before their application will be approved.
Views: 594273 eHealth
What Percentage Of Health Insurance Is Paid By Employers?
 
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Workers pay more for health care as companies shift burden employers shifting costs to employees cnbc. What percent of health insurance is paid by employers? Medical plans share premiums employer and the number employers offering fully care how much should an pay for employees' insurance? . Percent for 2016, down from annual increases of nearly twice that much 23 jun 2017 small employers can choose whether to offer health insurance their companies require pay at least 50 businesses often more employee benefits because they don't a qualifying employer must cover the cost how are you paying into your company's care plan? The answer is not always obvious. What percent of health insurance is paid by employers? . Just because your employer offers a plan, doesn't mean it's. Health care costs premiums rising & employees are paying up small employer health insurance texas department of. Health insurance for small and large businesses state how much do you pay health insurance? . 16 feb 2016 with company provided health insurance, the employer must contribute a minimum percentage and employees pay the remaining amount, 28 jul 2016 medical plans share of premiums paid by employer and employee for family coverage, march 2016 (in percent) civilian(1) private industry state and local government 70 30 71 29 70 30 health care and social assistance 30 mar 2016 the share of employers providing fully paid health insurance is the best companies to work for list has seen a 74 percent reduction in the health insurance industry is undergoing rapid and fundamental changes. These upheavals have come on several different fronts and threaten to reorder th 'of the subtypes of health insurance, employment based insurance covered is knowing if employer healthcare or simply self paid 14 sep 2016 annual premiums for sponsored family coverage year, up 3 percent from last with workers average paying may 2011 average, employers approximately 71 as 2014, according typically require employees share cost plan premium, usually after patient pays fee, 100 this requirement meant encourage more join plan, when considering what portion premium pay, should be required pay each employee enrolled in care 26 oct however, continued grow by 5 per year report, single that deductibles 13 dec small business was month, $286 through ehealth an amount figured hourly basis, has risen steadily, while percentage compensation spent been rising nearly 60 offering benefits do not know behalf are tax offered gone over all, about 50 24 2015 most companies now offer requires deductible before kicks in, study also found 46 a 15 rose. Employer health insurance costs finds how much does cost small employers? Ehealth what do employers pay for benefits as a percent of sehbs fact sheet tax treatment. What percentage of americans are covered by employer provided 2016 health benefits survey kaiser family what insurance do employers pay? Health coverage guide small business majorityhealth premium must Obamacare facts.
Obama Health Insurance Reform
 
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Spiraling costs are out of control. Over the last 10 years, health insurance premiums have increased about three times faster than wages. In every state, premiums are rising faster than wages, consuming an increasing share of family budgets. Over the past year, the average annual family premium for employer-sponsored health insurance rose to $13,375 a stunning increase that is breaking the back of our businesses, contributing to lay-offs and wage stagnation, and shackling our economy just when we most need to get back on track. Anyone can be at risk. Millions of American families at all levels of income could lose their coverage if they move, change jobs, get laid off, or if their insurer simply decides to cut them off when they need care the most. A staggering 14,000 Americans lose their health insurance, on average, every single day. Nearly half of all Americans will go without coverage at some point over the next decade. Todays system especially hurts small businesses. Nearly one-third of Americans without health insurance work for small businesses, which have to pay 18 percent more than larger businesses for the same health insurance plans. People who need care the most are denied the most. Over the last three years, 12 million people were denied coverage directly or indirectly through high premiums due to a pre-existing condition. Rising costs threaten Medicare for our seniors. Unless we act, within a decade the Medicare trust fund will be in the red, threatening the care that millions of seniors depend on every day. Young people are particularly hard-hit by todays broken system. Americans between the ages of 19 and 29 have the highest uninsured rate of any age group. Nearly one-third (30 percent) of 19 to 29 year olds are uninsured, compared to 17 percent of older adults. Our current system discriminates on the basis of gender. Women in this country have been denied coverage because of so-called pre-existing conditions like having had a C-section, or a previous pregnancy, and in some states, it is still legal to deny a woman coverage because she has been a victim of domestic violence. A recent study showed that 25 year-old women are charged up to 45 percent more than 25 year-old men for the same coverage. By the age of 40, a woman is charged 48 percent more. We lack preventative care and early detection mechanisms. Eleven million Americans are affected by cancer, and an early diagnosis significantly increases a patients chances for survival. Yet nearly a quarter of women 40 and older have not had a mammogram in the past two years, and 38 percent of men and women over 50 have never received a colonoscopy. Twenty five percent of those with cancer report using up most of their savings in order to treat their disease, and in most states insurance companies can charge higher premiums or even deny coverage because a person has cancer. Its just not right. According to a 2002 study by the Institute of Medicine, lack of health insurance causes 18,000 unnecessary deaths a year. Thats one person dying every half hour because they dont have health insurance. The Presidents Plan President Obamas plan will accomplish three primary goals: Provide more security and stability for the insured, guarantee more quality, affordable choices for the uninsured; and lower the costs of health care for American families, businesses and government. If you already have insurance, President Obamas plan will make sure you never have to worry about some of the insurance industrys worst practices, like dropping your coverage just when you get sick, discriminating against people with pre-existing conditions, and charging women more just because theyre women. For the uninsured, President Obamas plan will create an insurance exchange where individuals and small businesses can compare and contrast plans and pick a plan that works for them. The plan also creates a public insurance option to provide the uninsured and those who cant find affordable coverage with a real choice.
Views: 656 paulekotz
Health Insurance
 
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Health Insurance A recent Harvard study noted that statistically, "your family is just one serious illness away from bankruptcy." They also concluded that, "62% of all personal bankruptcies in the U.S. in 2007 were caused by health problems and 78% of those filers had medical insurance at the start of their illness." Those numbers alone should urge you to obtain health insurance, or increase your current coverage. The key to finding adequate coverage is shopping around. While the best option and the least expensive is participating in your employer's insurance program, many smaller businesses do not offer this benefit. Finding affordable health insurance is difficult, particularly without an employer-sponsored program or if you have a pre-existing condition. According to the Kaiser/HRET survey, the average premium cost to the employee in an employer sponsored health care program was around $4,100. With rising co-payments, yearly deductibles and dropped coverage's, health insurance has become a luxury less and less can afford, yet even a minimal policy is better than having no coverage. The cost for a day in the hospital can range from $985 to $2,696. Even if you have minimal coverage, it can provide some monetary benefit for your hospital stay. As the health care debate continues in Washington, approximately 48 million Americans are without insurance coverage. Check with your employer regarding health care benefits, inquire of any occupational organizations that you belong to regarding possible group health coverage. If you are over age 50, AARP has some health insurance offers available. (To learn more, check out Buying Private Health Insurance.) Long-Term Disability Coverage This is the one insurance most us think we will never need, as none of us assumes we will become disabled. Yet, statistics from the Social Security Administration show that three in 10 workers entering the workforce will become disabled, and will be unable to work before they reach the age of retirement. Of the population, 12% are currently disabled in some form, and nearly 50% of those workers are in their working years. Even those workers that have great health insurance, a nice nest egg and a good life insurance policy never prepare for the day when they might not be able to work for weeks, months or may not ever be able to return to the job. While health insurance pays for your hospitalization and medical bills, where is money coming from to pay those daily expenses that your paycheck covers? Here are a few very sobering statistics regarding disability: Disability Causes Nearly 50% of all Mortgage Foreclosures, 2% are Caused by Death. Close to 90% of Disabling Accidents and Illnesses Are not Work Related. In the Last 10 Minutes, 498 Americans Became Disabled. If you are injured and off work for even three months, would you have enough in savings to cover your living expenses? Consider what you might face financially if you suffer a major medical condition such as cancer and were unable to work for over a year. Many employers offer both short-term and long-term disability coverage as part of their benefits package. This would be the best option for securing affordable disability coverage. If they don't, seek out a private insurer. If you aren't sure how much coverage you need, AARP offers a very good disability insurance calculator to help you. A policy that guarantees income replacement is the optimal policy; more usual terms are replacement of 50 to 60% of your income. The cost of disability insurance is based on many factors including age, lifestyle and health. For group or employer coverage, the average rate in 2009 was about $238 per year or approximately $5 per week. A small price to pay if you are faced with a devastating illness or injury. Disability insurance will guarantee that you will have some income when you can't work.
Views: 3084 Funny
Business.com - How To Save Money On Health Insurance Benefits
 
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http://www.business.com/insurance/ Explore the main decision factors of consumer-driven health insurance BIO: Randy Philip is a principal consultant at the Washington Insurance Consulting Group. TRANSCRIPT: I'm Randy Philip, Principal Consultant with the Washington Insurance Consulting Group located in Alexandria, Virginia. I and my two partners have over 70 years of experience working with employees and employers in designing health insurance and employee benefits for small to medium sized businesses. Today we're going to be talking about how to reduce your health care costs. There are a number of factors that go into the pricing of a health insurance plan. For example, deductibles and copays. The larger the deductible that the employer selects or the larger the copay that the employer selects, the lower the premium is going to be. Another factor is coinsurance. Coinsurance is the piece of insurance that the employee will be sharing with the insurance company. The larger the coinsurance that the employee picks, going from 20% to 30% to 50%, the lower the premium is going to be. Group demographics: that's the makeup of your group—the average age of the group, the male/female content of the group, the location of where your group is. That's where an underwriter looks at your group and assesses the medical viability of your group, and they're going to rate you based on the medical conditions that are going on in your group. Let's talk about ways that an employer can reduce his cost. First thing is, in assessing the needs of the employees, you really want to look at making sure that the plan designs that you're offering exactly meet your employees' needs. A typical employer might offer a PPO plan. A PPO plan is a plan that allows employees to go inside and outside the network. Well if your employees are not going outside of the prescribed network, you might be able to reduce that plan to an HMO plan, which allows your employees to exclusively use providers in the network, and that would reduce your cost. Increasing your deductible or increasing your copays. For every $100 that you increase your deductibles, that's typically a 2-3% savings in the annual premium, and similar with increasing your office copay. Another way for employers to reduce their costs is to move their employees to a consumer-driven plan, or at least offer that as an option for your employees. They drastically reduce the cost of health care. They drastically reduce the premium amount that the employee or employer would pay. So again, the key factors in determining your health insurance costs are of course going to be your deductible/coinsurance, the plan type, the group demographics, and the medical underwriting. Those are going to be key factors in developing the rate that the insurance carrier is going to return for your group. This has been Randy Philip, Principal Consultant with the Washington Insurance Consulting Group located in Alexandria, Virginia for business.com. Please remember the following points we discussed today. Tips to lower health plan premiums • Increase deductibles and copays • Offer an HMO plan • Offer consumer-driven plans
Views: 710 BDCinsurance
Keeping your health law plan may mean premium hike
 
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YOUR DESCRIPTION HAS REACHED THE LIMIT OF CHARACTERS ALLOWED AND WAS CUT. WASHINGTON (AP) -- Many of the 7 million consumers who got insurance under President Barack Obama's health care law will see their premiums rise next year unless they switch to another plan, independent analysts said as the government released details Friday. The Health and Human Services department released a massive computer file of 2015 premiums one day ahead of the start of open enrollment. Those numbers will take time to fully analyze. Overall, they are expected to show that premiums for a type of low-price plan that the government uses to set subsidies for consumers will cost roughly the same as this year, about $330 a month on average. Many people will pay much less after subsidies, about 25 percent of the cost, which will be good news for first-time customers. But there is a catch if you are already a customer: Your plan may no longer be the lost-cost benchmark in your community. In that case, you'll pay more unless you switch. "Just because you enrolled in a low-cost plan this year is no guarantee that your plan will also be low-cost next year," said Larry Levitt of the nonpartisan Kaiser Family Foundation. He analyzed a 48-city sample of 2015 premiums from data available earlier this week. "Last year's low cost plans will experience premium increases, meaning the majority of consumers will experience cost increases if they re-enroll in the same plan," said Caroline Pearson of Avalere Health, a private market analysis firm. An early look by Avalare at premiums for a hypothetical 50-year-old nonsmoker in the benchmark plan found wide differences among states, from a 28 percent increase in Alaska to a 19 percent reduction in Mississippi. Most states saw single-digit changes. Consumers should be wary of national and even state averages, and instead focus on what's happening with their own plan, the analysis said. The shifts are due to the ups and downs of the market, and to cost-saving provisions written into the law. The Affordable Care Act offers subsidized private health insurance to people who don't have access to coverage on the job. HealthCare.gov and state insurance markets are launching their second annual sign-up season, which runs through Feb. 15. This year, 85 percent of their customers received tax credits to subsidize their premiums. Those existing customers will be renewing coverage for the first time. Some could face sticker shock. The following example uses actual premiums from HealthCare.gov, and was provided by the Kaiser Foundation: Take a hypothetical 40-year-old retail salesperson in Miami making $20,000 a year. This year, she signed up for the benchmark low-cost plan in her area, the "Coventry $10 Copay." The full premium was $270 a month. Her government tax credit covered $184 of that, so her share was $86 a month. For 2015, Coventry is no longer the benchmark plan. Instead, it's the "Molina Silver HMO," with a monthly premium of $274. If the consumer switches to Molina for 2015, the government will pay $191 and her share will be $83. But if she wants to stay with Coventry, she'll see a 40 percent increase. That's because Coventry increased its premium to $311 for 2015. And also, the federal share will be capped at $191 - what the government would pay for the benchmark Molina plan. The consumer would be on the hook for $120 a month. Part of the reason for such shifts is that the health care law was designed like a voucher system. You get a tax credit for health insurance based on your income and on the premium for the benchmark plan in your area, called the "second-lowest-cost silver plan." Plans are offered
Views: 20 LOCAL 12
Corporate Wellness Programs Case Study: Scott & White Healthcare Corporate Wellness
 
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A case study review of the Scott & White Healthcare Wellness program by Dr. Michael A. S. Guth, Ph.D., J.D. The Scott & White program takes note of the physical, emotional, social, intellectual, and spiritual aspects of wellness. Health risks increase health costs. Staff who are/have: Depressed have 70% higher annual health plan costs. Stressed have 46% higher annual health plan costs. Elevated blood sugar have 35% higher annual health plan costs. Obesity have 21% higher annual health plan costs. Smokers have 20% higher annual health plan costs. High Blood pressure have 12% higher annual health plan costs. Not exercising have 10% higher annual health plan costs. Sick Leave Absenteeism -- impact of behavioral health risks (n=34,451) Mental health related sick leave results in a 150% higher absenteeism Back Pain -- 140% higher Stress -- 131% higher No exercise -- 118% higher Obesity -- 116% higher Health Risks Increase Sick Leave Use Plan on Addressing Physical activity Tobacco use Stress Weight Management Blood pressure Cholesterol Nutrition Medical self-care Back care Injury prevention Challenges To make a case for a wellness program -- a clear economic rationale To demonstrate importance in reducing health costs To propose a model program and evaluation plan that best fits your organization To propose a reasonable budget that will achieve your program goals. To identify a senior level wellness champion To show that prevention can result in a return on investment within as little as one year Implement an annual evaluation and regularly report progress and results. It is also the right thing to do for your employees! Primary Wellness Targets: In addition to the Traditional Model, plus productivity, injuries, HC utilization, presenteeism, health consumerism, Typical Activities in addition to Traditional: HRA (incented and used for targeting with 80% minimum), risk stratification and incented interventions, telephonic coaching, medical self-care and consumer workshops, injury prevention, benefit linked incentive, wellness achievement incentives, resiliency initiative for productivity, spouses also served Participation: 65% to 95% of staff Approximate cost / EE / Yr: $250 - $450 (this cost does not include staffing and incentive costs) Likely return on invement (ROI): 1:2.5 to 1:6.5 A supportive environment for wellness: Onsite fitness facilities and training facilities. Shower facilities Bike racks Walking trails Healthy food options No tobacco vending -- tobacco-free campus! Computer access to E-health resources Quiet space Wellness as a formal organizational value Employee orientation Flex time for exercise Incentive rewards for wellness HR policies Wellness recognition Medical benefit coverage for prevention Performance appraisals Financial incentives Environmental change Employee involvement Reminders Consistent focus Policies Benefits Communications Supervisor support Leadership support Employee health services Fitness camps and exercise classes Smoking cessation classes Nutrition classes Massage therapy Individual and group challenges with incentives Health fairs Sports challenges and teams Weight loss challenges and groups Walking /cycling challenges and groups Blood pressure screenings Flu shots Did the program meet its objectives? How many people participated in the program (or in each component of the program?) -- include HRA completion. How did the users like the program (individual program evaluations) What improvements in individual health or risk factors occurred? -- include comparison to previous years HRA What positive effects did the program have on our organization? -- health claims, sick leave, WC, etc. How much did the program cost? What was the net economic effect (C/B or ROI?) How should the program be changed for this next year?
Views: 2338 Michael A. S. Guth
Step #2 - Retirement Preparedness Checklist: Insure Risks You Cannot Afford to Take
 
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http://www.kimsnider.com Healthcare and long-term care costs pose very real risks to your retirement nest egg. Risk management is the foundation of a solid financial plan, especially in retirement. The most important items to plan and budget for are private health insurance if you are under age 65, Medicare and Medicare Supplement insurance if you are near or over age 65, and a solid long-term care policy. Look into employer-sponsored health coverage available to you as a retiree. Keep in mind that private-sector employers are not required to offer retiree health benefits. Furthermore, if your company provides a plan, nothing in federal law prevents them from cutting or eliminating those benefits. Make sure you read the plan carefully and compare the costs with the benefits offered. If your employer does not offer retiree healthcare benefits, you will need to turn to the non-group market for health insurance coverage. Make sure you know the costs and that you can get coverage before you leave your employer's plan. Given the cost of private insurance, it's important that you know what you need and what you don't. Generally, there is a direct tradeoff between the cost of health insurance and the level of protection it provides. As you weigh this trade-off, keep this in mind: you buy health insurance in case you get sick, not in case you stay healthy. If you are retiring near or over age 65, Medicare and Medicare Supplement insurance will be your primary focus when it comes to healthcare. Medicare Part A is automatically available to you at age 65, if you are taking Social Security. If you are not taking Social Security, you will need to actively enroll. You can enroll in Medicare up to three months before the month you turn 65. Part A, which covers inpatient hospital expenses, is premium-free if you have worked forty quarters and paid Medicare taxes. If you have not worked forty quarters, you will have to pay a premium based on the number of years you have worked in Medicare-covered employment. Medicare Part B, which covers outpatient medical services and is subject to an annual deductible, is available for a premium. The premium is based upon your household income. It is either deducted from your Social Security check or billed to you quarterly if you are not yet receiving Social Security benefits. It is usually best to enroll in Part B at the same time that you apply for Part A; however, you may opt out of Part B coverage, say if you have a group health plan, and opt in later during various enrollment periods. Keep in mind you may incur a penalty for waiting. For more information on Medicare Part A and Part B provisions and enrollment, visit www.medicare.gov. In order to purchase Medicare Supplement insurance, also known as Medigap, you must be enrolled in both Medicare Part A and Part B. Once you have a healthcare solution that fits in your budget and meets your needs, there is one other critically important piece of coverage to consider - long-term care insurance. Consider these statistics: - Americans are living longer than ever beforeóthose surviving to age 65 can expect to live an average of 19 more years. - By 2030, the number of Americans aged 65 and older will more than double to 71 million older Americans, comprising roughly 20% of the U.S. population. - One in three Americans age 65 will need some kind of nursing home care in their lifetime. - Just in the past two years alone, the increase in the average cost of long-term care ranged from 5-13%, depending on the type of service. Don't risk your lifetime of hard work and savings. Make sure you are properly insured in retirement and protected against rising healthcare costs and the need for long-term care. You simply can't afford the alternative.
Views: 2051 KimSnider
Joel Davis' How to Build a Million Dollar Home Care Agency
 
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http://www.milliondollarhomecare.com Are you interested in making money by helping our growing senior population? Maybe you're eager to start a profitable business and are searching for the right opportunity - a business with sustainability and needing limited startup capital If you're a sincere and compassionate person and you like helping others, then you need to seriously consider starting your own non-medical home care agency Often referred to as "Companion Care," non-medical home care services includes tasks such as shopping, meal preparation, laundry, transportation to medical appointments and associated activities Companion care services are not complicated, yet they are very much essential for a growing number of seniors. It is the difference between remaining at home versus having to enter a more expensive facility Roughly 90% of all seniors wish to remain at home for as long as possible. And because home care options are far more affordable as compared to facility care, the demand for home care services continues to increase The average annual nursing facility cost is between $75,000 and $90,000. Conversely, home care costs range between $10,000 and $35,000 per year - an obvious and much preferred financial solution Needless to say, providing essential services while saving our seniors money equals a successful money-making formula for you, the motivated entrepreneur!
Salary Negotiation: 6 Tips on How to Negotiate a Higher Salary
 
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SALARY NEGOTIATION - HOW TO NEGOTIATE A HIGHER SALARY ➡️ Get your brand new, impressive, Top Notch Resume here: https://topnotchresume.lindaraynier.com/signup ➡️ Get private career coaching from Linda here: http://www.lindaraynier.com/standoutgethired ➡️ Get your brand new, Strategic Cover Letter here: https://www.lindaraynier.com/strategic-cover-letter-workshop/ ________________ In this video, I will teach you 6 salary negotiation tactics on how to negotiate a higher salary for yourself, whether you’ve just received a new job offer or you’re wanting to ask for a raise in your current job. You will learn the salary negotiation techniques that I know work on how to negotiate a salary that is in line with your expectations. There are many salary negotiation strategies, but it takes the right salary negotiation skills to get that bump in pay that matches what the market offers and what you’re worth. The 6 Major Tips on How to Negotiate a Higher Salary include: Tip # 1: Talk about your value - bring up evidence that prove why you’re worth what you’re worth. Tip #2: Do market research - know what the market is paying for someone with your credentials and level of experience. Tip #3. Give a number, not a range - many people are afraid to offend the employers and give a range for what salary they’d be open to. This is not the way to go. Tip #4. Go in with leverage - you want to leverage everything you can to enhance your chances of getting that bump in pay. Tip #5. Time it appropriately - if you’re in a job offer situation vs. asking for a raise, you need to know the right timing on when to bring up your salary expectations Tip #6. Be humble and polite, yet confident. Watch the video so you can learn the salary negotiation skills that I know work to getting you a higher salary. ----- FREE DOWNLOADS: ⬇️ Download my FREE Resume Samples PDF document here: https://bit.ly/2vjNwMM ⬇️ Download a copy of my 10 Ultimate Resume Hacks to Land more Interviews and Job Offers PDF here: https://bit.ly/2JRQR93 ________________ Become part of a growing community with over 3700 other corporate professionals in the supportive Ambitious Professionals Mastermind Facebook group here: https://www.facebook.com/groups/288240514997485/ Interested in getting personally coached by Linda to enhance your personal brand, advance your career and/or land your dream job? ➡️ Click here: http://www.lindaraynier.com/standoutgethired and fill out the application form. ________________ If you liked this video, please give it a thumbs up 👍 , subscribe, share it with your friends. CONNECT WITH ME: Website: https://www.LindaRaynier.com Instagram: https://www.instagram.com/lindaraynier/ LinkedIn: https://www.linkedin.com/in/lindaraynier Facebook: https://www.Facebook.com/lindaraynier If you want to learn more about how to make your resume stand out, watch my Resume Hacks - How to Make a Resume Stand Out video here: https://youtu.be/bueXJC5Myow Or if you want to learn how to answer the “Tell Me About Yourself” interview question, watch my “Tell Me About Yourself - A Good Answer to this Question” video here: https://youtu.be/kayOhGRcNt4 Also, to learn more about salary negotiation and how to negotiate a higher salary feel free to watch: https://youtu.be/nFDKoNuzt7I by Recruiter https://youtu.be/twJbXSpTVFA by Ramit Sethi https://youtu.be/Lm7T8vGModU by Ramit Sethi
Views: 707692 Linda Raynier
Home & Family - Physicians Mutual - Dental insurance and the power of planning
 
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Bob Gunia, Senior Vice President at Physicians Mutual, returns to Home & Family to talk about why it’s just as important to plan for dental care as it is for health care expenses in retirement — or at any age — and what we need to know to make confident decisions. Take control of your dental health in retirement. People have always recognized the need to plan for health care expenses in retirement. But until recently, planning for dental care — and the high costs that come with it — wasn’t even part of the planning conversation. But that’s changing. Today, more people are taking control and planning ahead for dental expenses — and making dental insurance part of their retirement plan. The increased demand for dental insurance as part of a retirement plan is greatly due to the fact that we’re living longer. And unlike it was 50 years ago, when nearly half of older Americans lost their natural teeth, advances in preventive care and treatments have allowed us to keep our teeth longer. Because of the connection between our dental and overall health, good dental care remains important throughout our lives. How will you plan to pay unexpected dental bills? Even though more people are planning ahead for dental care, a large coverage gap still exists for all ages. For instance, 90 percent of Americans lose their dental insurance when they retire, and Medicare doesn’t cover dental care. And because a growing number of employers — currently more than 69 percent — no longer include dental insurance as a group benefit, even people in the workforce are facing coverage gaps. So, just as they plan for unexpected medical bills, people also need to consider how they’ll pay for unexpected dental bills. Planning ahead can be particularly important, especially if you’re on a fixed retirement income. With the average Social Security benefit at about $1,400 a month, paying out-of-pocket for a root canal costing $900 or more, for example, can be difficult for many people. In fact, a recent study indicated nearly 6 in 10 Americans wouldn’t have enough money in savings to cover $500 in unplanned expenses. Plan ahead even if your teeth are healthy today. Even if your teeth are in good shape now, it’s hard to predict what your future dental care needs will be. Many people have old fillings and crowns. These things can fail over time. Repairs can be expensive, and the need for them generally can’t be ignored. Affordable coverage can help pay dental bills. Many people put off buying dental insurance because they don’t necessarily see the value in this coverage. They also might think they can’t afford it, or that they can “make do” without it. But as more people discover the value of dental insurance — how it can help pay for the dental care you need — and just how affordable it is, the movement to plan for dental expenses in retirement will likely continue. Know what to look for when buying dental insurance. If you’re looking for dental insurance, it’s important to understand what you’re buying. First, make sure the dental insurance policy you choose covers the services you’re most likely to need. When Americans age 60 and older were asked in a recent survey about the dental services they get most often, preventive care was at the top of the list, followed by fillings, crowns and root canals. Second, understand that most dental insurance policies have waiting periods for things like crowns and root canals. These waiting periods help keep your premium costs affordable. However, some policies offer immediate coverage for preventive care, which means you can get a dental checkup as soon as your insurance policy is in place. Third, be aware that many dental insurance policies have annual maximums, which put a cap on how much your insurance will pay in a year’s time. Be sure to look for dental coverage that does not have an annual maximum. Finally, if being able to choose your own dentist is important to you, be sure to look for dental insurance with a large provider network. In most cases, you’ll save money by seeing a dentist within the plan’s network. Sources: “Dentistry Advocates Aim To Fill Medicare Gaps,” by Phil Galewitz, Kaiser Health News, khn.org, March 6, 2017 “Medicare & You,” Centers for Medicare & Medicaid Services, 2017 “Older Americans Not Receiving the Oral Health Care They Need,” by Melissa Hoebbel, Oral Health America, September 3, 2013 “Fact Sheet,” Social Security Administration, ssa.gov, 2017 “Why Some Millennials Aren’t Smiling: Bad Teeth Hinder 28% In Job Search,” by Diana Hembree, forbes.com, March 28, 2017 “6 in 10 Americans don’t have $500 in savings,” by Kathryn Vasel, money.cnn.com, January 12, 2017 Dental Panel Survey conducted by Qualtrics for Physicians Mutual, 2016
Insurance Costs and How Personal Information Can Affect Them - 2017 Insurance Costs
 
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Get health insurance through your employer? Aca repeal will. Don't factor in your job, income history, gender, or any other personal information. Click to read our car affects your price. Adults not because they turned down coverage offered to them, but. Without cost sharing, bringing new benefits to 71 million americans. Tops the list because residents get unlimited lifetime personal injury protection that means if you have significant assets, you'll want to protect them with more coverage. Insurers are not allowed to deny coverage or set premium prices based on what health insurance providers selling plans the exchange in 2017? Where you live state affects cost of your premium, as well please visit healthcare. Below, you can review information on pending rate filings for individual and small 2 nov 2016 while these significant price increases will affect many consumers, it's important health insurance agent who legally provide with. Terms of use and permissions pages at npr for further information fortunately consumers, the federal regulations regarding individual health insurance set guidelines on how aca compliant plans can adjust their rates based many factors affect your auto premium. Many factors influence insurance prices, in addition to your personal details 5 may 2016 state and federal regulators will be reviewing the proposed rates over next that insurers can recoup past losses, but rather it allows them go forward under aca, people without health are generally expected is unclear how changes impact premium requests for 2017 22 apr whether has succeeded a debate another blog, we help you must provide plan information including tier, deductibles coverage rules all consumers comparison shop. A fair amount of personal information to get the most accurate price how you could cheaper car insurance. The how the affordable care act 'obamacare' affects yourates and paying for health coverage. Affect health insurance costs obamacare facts let's take a look at factors that affect for premiums and cost individual vs. All rights reserved 13 dec 2016 information can also be found regarding eligibility for help with paying the 2017 open enrollment period began nov. In 2017, the individual deductible jumps 74 percent to $405 22 jul 2016 location also has a huge impact on your car insurance rates. What determines the price of my auto insurance policy? 2017 rate filings and review office montana how much will obamacare cost me? Or families does car cost? The simple dollarwhat affects a quote aviva. At the intersection of health, health care, and policy. January 11, 2017 the loss of protections and subsidies in individual insurance market. How age affects health insurance costs valuepenguin. Affect health insurance costs obamacare facts. Although their health plan covers all seven of them, they're only charged on take a look at the individual and family insurance plans to get more information learn about factors that affect premium costs find out what you can do premiums based in your application higher or refusing provide them with coverage. Individual driving history for both men and women will have a greater impact insurance companies offering individual small group health plans are the authority to disapprove rates or prevent them from taking affect. Tax credit payments and cost sharing reductions for the coverage year in fall aca repeal will affect you, too. Open enrollment for 2017 starts november 1, 2016 and ends january 31, 6 republicans will argue that by cutting back insurance standards, their bill second, the degree of protection affects how much enrollees in 2020, would increase costs average enrollee. Analysis gop plan to cost obamacare enrollees more a how health insurance marketplace plans set your premiums deductibles are on the rise for 2017, along with monthly will care affect costs? Npr. What to look for in 2017 aca marketplace premium changes. March 8, 20174 28 pm et roeder i personally was affected by that. Car insurance myths credit score does not affect rate the health marketplace irs. Gov to more information on exchange plan if an individual is qualified for medicaid, they will be referred ohio's office your current health rates displayed at the top of page; Scroll down view and in effect cobra coverage michigan insurance customer service learn costs, number people a does affect what you pay. In other words, they have to ask how much it will cost them insure the beneficiary pool.
Views: 6 IS LVR
Federal Employees Health Benefits Program Brief
 
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Includes questions and answers
Views: 1684 USOPM
National Negotiations Update: Proposals, Mediation and Healthcare Analysis
 
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1:24 What is Mediation? (NMB) 2:29 Proffer of Arbitration 4:00 What took place during meeting on August 2nd and 3rd? 5:38 Details of Proposals (www.bmwe.org to view) 13:05 Health and Welfare Issues (BMWED's 357 Plan) 13:37 How the Carriers want to cost shift to make you and your family pay more 17:50 357 Plan expounded 21:00 Q&A 21:17 Doctor changes? 24:57 What if my doctor isn't in the new network? 26:00 How would this plan switch take place? The BMWED/SMART-Mechanical bargaining group met with the railroads for mediation on August 2 and 3 in Arlington, Virginia. On the first mediation day, the railroads (bargaining together as the National Carriers’ Conference Committee) presented their latest offer. It includes, amongst other backward, insolent proposals, no “retro pay,” a paltry increase of $10,162 per member over the course of the five-year contract, and health insurance plan design changes that would increase family deductibles to $1,400 and family out-of-pocket maximum payments to $600 in each calendar year, coupled with "indexing" that would automatically raise those amounts each year. The details of the railroad’s proposal can be found at www.bmwe.org BMWED/SMART-Mechanical made a counterproposal August 3. Our proposal includes retro pay, an average increase in pay of $30,703 per member over the course of the five-year contract, no increase in cost-sharing, and no changes to co-pays for medical services except a $25 increase in the emergency room co-pay. Nevertheless, we proposed over $140 million in annual savings to the National Health & Welfare Plan through our "357 Plan" (a name bestowed recently by the mediator), which attains savings to the plan without any cost-sharing changes or financial concessions to BMWED and SMART-Mechanical membership. Our latest proposal can be seen at www.bmwe.org. The "357 Plan" -- so-named for the 357 standard metropolitan statistical areas identified by our experts' analysis -- re-draws a 20-year-old healthcare network map to most-efficiently apply the best network discounts currently offered. A lot has changed in 20-plus years since the map was drawn, and applying our plan modifications provides the railroads with greater financial savings than they received in the last round through PEB 243, while asking nothing more of the members in terms of monthly contributions, co-pays, or deductibles. We believe it is a good path forward and a strong starting point to reaching a voluntary deal. Naturally, there are questions. In the video linked here, BMWED Director of Strategic Coordination and our lead negotiator at the table, Brother Don Griffin, answers many of the most commonly asked ones. Please take the time to watch. He dives into the numbers and the issues and we hope and think that he provides real-time, helpful information and lays out our strategy in a straightforward manner. As always, thank you for your solidarity to our Brotherhood. Together, we truly are stronger. As President Simpson says in the video, we are optimistic that we've started down a path to a voluntary agreement, but time will tell. We will head back to mediation next month, and will report back with any and all developments.
How to Convince People Convincing Skills in Hindi by Vivek Bindra
 
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To Attend a 4 hour Power Packed “Extreme Motivation & Peak Performance” Seminar of BOUNCE BACK SERIES, Call at +919310144443 or Visit https://bouncebackseries.com/ To attend upcoming LEADERSHIP FUNNEL PROGRAM, Call at +919810544443 or Visit https://vivekbindra.com/upcoming-programs/leadership-funnel-by-vivek-bindra.php Watch the Leadership funnel Program Testimonial Video, here at https://youtu.be/xNUysc5b0uI Follow our Official Facebook Page at https://facebook.com/DailyMotivationByVivekBindra/ and get updates of recent happenings, events, seminars, blog articles and daily motivation. Mr. Vivek Bindra, International motivational speaker, Leadership consultant& CEOCoach explains How to convince peoplein this video. No matter how persuasive you are, most people will not change their mind. The classic mistake most of us do is we try to convince people & want them to believe us. Mr. Bindra says if you wish to convince someone then never try to convince him. Understand need, interest & concern of the person, and when you understand their need, interest & concern he/ she will connect with you. Once you will connect with him he will be convinced automatically.This is the convincing formula of Mr. Vivke Bindra, to understand people. Convincing people is tough but one can convince someone if he/ she hasConvincing power. Mr. Vivek Bindra’s seminars on - Convincing skills, Convincing techniques, Convincing customers, Convincing skills in sales are very much in demand in cities like Bangalore, Chennai, Delhi, NCR, Hyderabad, Kolkata, Mumbai, Ahmedabad, Pune, Kanpur, Indore, Jaipur, Vadodara, Surat, Nagpur,Lucknow,Patna,Bhopal,Bhubaneswar, Bikaner, Bokaro Steel City, Chandigarh, Coimbatore, Cuttack, Dehradun, Dhanbad, Durgapur,Faridabad, Ghaziabad, Gurgaon, Guwahati, Gwalior, Hubli, Indore, Jabalpur, Jalandhar, Jamshedpur, Jhansi, Kanpur, Kochi, Kota, Kozhikode, Lucknow, Ludhiana, Madurai, Mangalore, Mysore, Nagpur, Noida, Pondicherry, Raipur, Rajkot, Ranchi, Rourkela, Surat, Thiruvananthapuram, Vadodara, Varanasi, Visakhapatnam. He is a master trainer at Convincing & How to convince people. In sales & marketing you can succeed if you have a strong convincing power. Mr. Vivek Bindra shares best convincing tips to help anyone and everyone. He is famous for his how to convince people, among students, kids, youth working men and women. Mr. Bindra can be contacted for his expert suggestions atHow to convince people to do whatever you want, How to convince your parents, How to convince people to invest, How to convince people over phone, How to convince people in marketing, How to convince people in networking, How to influence people and many more. His motivational videos on convincing skills is in demand in India, NCR, Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chhattisgarh, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Rajasthan, Sikkim, Tamil Nadu, Telangana, Tripura, Uttar Pradesh, Uttarakhand, West Bengal. His videos are widely available online on- Convincing skills, How to convince people in Hindi, How to convince people in English, How to convince your parents to get you something around the world and his sessions are most sought after convincing power inAsia, South East Asia, Malaysia, Kualalumpur, Singapore, Thailand, Bangkok, Vietnam, Dubai, Abu Dhabi, Qatar, Maldives, Bhutan, Nepal, Thimpoo, Kathmandu, Burma, Rangoon and middle east. Ask Mr. Mr. Bindra for convincing tactics and strategy training and tips in hindi and English along with videos. Talk to Mr. Bindra for his public programs on influencing styles, influencing strategy, influencing techniques, influencing skills, influencing people, influencing without authority, influencing videos in hindi and English, influencing seminars, trainings, symposiums, keynote addresses, televised broadcasts, interviews, discourses, debates, seminars, presentations etc.
2015 Health Plan Rate & Benefit Changes
 
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Gain a better understanding of CalPERS Health Program for 2015. Learn about the changes in benefits, 2015 rates, updates to the Dependent Eligibility Verification (DEV) project, and the Open Enrollment process.
Views: 5994 CalPERS
Medicare Part B and D Late Enrollment Penalty
 
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My Website: http://www.medicarescreenshare.com Contact Me: MedicareScreenShare@gmail.com Medicare Update: Medicare Part B and D Penalties Lets look at how much you will have to pay on top of your monthly premiums if you delay enrolling into Medicare Part B hospital insurance and Medicare Part D drug coverage. Stay Tuned. Intro: Hello again friend and welcome to another medicare update. Now are you thinking about not signing up for either Part B or Part D of medicare later than your initial enrollment period when you turn 65? Well there are some penalties to consider and also some exceptions to the rules that you should know. Medicare Part B Penalty: If you sign up late for Medicare Part B, you will have to pay a late penalty premium every month for the rest of your life, along with your Part B premium. Your monthly Part B premium will go up 10% for each full 12-month period that you could have had Medicare Part B but did not take it. You will continue to pay this higher premium as long as you have Medicare Part B. Example: So if you delayed one year and then you would have to pay an additional 10% of the current medicare part B premium. Because the premium is $134 in 2017 you would expect to pay an addition $13.40 if you decide to enroll 1 year past your initial enrollment period. And when your Part B premium increases in the future, which it will, you would need to pay 10% of the new premium as long as you have medicare Part B. Exceptions: You may not have to pay the penalty if you qualify for a SEP or Special Enrollment Period. You might qualify for an SEP if you had health insurance through your job or your spouse’s job when you were first sign up for Medicare Part B. Medicare Part D Penalty: There is a late penalty premium for not joining a Medicare Part D drug plan when you first become eligible for Medicare. The penalties usually begin 3 months after your Part A and Part B eligibility dates. The penalty premium is added onto the regular premium that you pay to your Medicare drug plan. The fee is calculated by taking 1% of the average monthly prescription drug premium. This average month prescription drug premium is $35.65 in 2017. This penalty is rounded to the nearest 10 cents, and much like the Part B premium this penalty is permanent. So you would have to pay it for as long as you have Medicare Prescription Drug Coverage. Example: So if you delay one year then you would have to pay an additional 1% of $35.65 and have to multiply that same 1% of $35.65 by 12 months. This means you would pay an additional $4.30 on top of you Part D premium. This penalty much like the Part B penalty will also increase. But instead of increasing with the Part B premium it will increase with the average monthly prescription drug premium. Exceptions: You do not have to pay the penalty if you are eligible for the Extra Help with costs, if you have coverage through your or your spouse’s job, if you have retiree coverage, or if you have coverage through the Veterans Administration. Thanks for taking the time to watch this quick video and I hope you found the information useful, and make sure to check out another one of my videos I made about why enrolling sooner for you medicare supplement can be beneficial to you as soon as this video ends. As as always feel free to like, comment, and subscribe to my cannel for more great weekly update just like this one and so we can help more people. Andrew Walsh MedicareScreenShare Owner and Independent Agent (920) 960-4312 MedicareScreenShare@gmail.com MedicareScreenShare.com Medicare Update: Medicare Part B and D Penalties
Views: 952 Andrew Walsh
Employee Benefits 101: Understanding Your Options
 
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The benefits package offered by an employer is an important consideration and the breath of employee benefits are ever expanding. In this webinar you will learn about: + How to pick the right medical plan for you and your family. + Understanding the importance of making informed benefits choices. + Ways to overcome specific barriers so you can save more for retirement. Presenter: Judy DeCourcey, senior benefits specialist at RIT. Judy is a senior benefits specialist in RIT’s human resources department, where she has worked for over 18 years. She has worked in the employee benefits field for 30 years. Prior to joining RIT, she worked at the Goulds Pumps corporate office in Fairport, N.Y., Massachusetts Institute of Technology, and a large law firm Boston. Judy earned her BS in business management from Skidmore College in Saratoga Springs, N.Y., and her MBA from Northeastern University in Boston. She holds the designation of Senior Professional in Human Resources (SPHR) from the Society for Human Resource Management. more »
Views: 5746 RIT Alumni
Benefits by Topic: Health Classic, Premier and Health Savings Plans for 2017-2018
 
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The three health plans (UMR Classic, Premier and Health Savings Plan) are discussed. Also, watch related FSA/HSA program for the three types of pre-tax health and child care accounts.
The Reality Of American Healthcare System
 
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The American Healthcare System is facing the hardest year to come.... and many America people that face any long health issues can become a state of financial ruin... hundreds and thousands of patients will be forced to become bankrupt and loose everything they have- all due to the healthcare cover is insufficient to their hospital care.. (read more here http://mindawilson-urgentcare.com ) In fact, faced with the end of their gravy train, insurance companies are making demands for increased compensation for providing coverage. The billions they are already making doesn’t seem to be enough. Almost all the major carriers are threatening to will pull out of the individual markets unless they get a clear commitment from our government to continue funding the ”costs” of providing compliant policies for those individuals who cannot obtain insurance from their job. The “costs” being the government continuing to reimburse the insurance companies for any policy they issue where the expenses incurred exceed the premium paid for that policy. In addition, they want additional money for making these policies available to low income people. For example, in 2015 UnitedHealth Group reported a profit of $11 billion (on revenues of more than $157 billion), up from $10.3 billion (on revenues of $131 billion) in 2014. It seems unreasonable that this company made $11 billion dollars, that there is money to pay the CEO and senior officers tens of millions of dollars a year, but they don’t have the money to pay for the cost of treating low income families that pay for their products and services. What is inherently true about insurance companies is that their basic philosophy is “Delay, deny, die!” The longer they can hold onto your money, without paying out your claims, the more money insurance companies make on the float. These companies also take advantage of the fact that if they deny a claim a certain percentage of the people will pay, even though the insurance company should have paid the bill. Insurance companies know the odds are on their side if they deny a claim; not everyone is up for a prolonged fight; especially if they are ill. If a person is at the end of their life, denying expensive, but life prolonging services costs money insurance companies don’t want to spend. If the insurance company waits long enough, the person may die, making the expense unnecessary. We are sitting in our corner crying, acting like scared little babies, when, in truth, the power resides with us to control our costs and that power can be easily exercised by our states. It is time to say enough. If Blue Cross, United Health, Aetna, etc., want to sell any health insurance policy in your state, say a Medicaid or Medicare supplemental policy, if they don’t offer affordable individual policies in your state, then their license to do business in the state will not be renewed. The consequence of denying these companies access to a state’s markets is that they will have to close down. With all the losses they say they are suffering, the three largest insurance companies showed billions of dollars of profits in 2015. No license, no revenues. It is hard to believe that CEOs and their Boards of Directors will agree to close down their profitable businesses and give up their 10 million dollar plus annual salaries. To control policy costs states have to get a handle on what percent of the money paid in in premiums is actually being paid out for claims. Based on CDC data, in aggregate, only about 5% of premium dollars received is actually paid out to providers of medical services. Which means 95% of dollars received is spent on price negotiation, claim review, and administrative costs. To get fair pricing for its citizens, the states have to require insurance companies offering policies to report back to that state the difference between money paid in for premiums minus money paid out for claims, for each individual policy and in aggregate. A reasonable standard should be set so that pricing reflects average risk in the state. For example, if a 70% threshold is set, insurance companies would pay out 70% of premium dollars received on care for their policy holders. The remaining 30% on the cost of conducting their business. Money earned on the float could be used to pay operating expenses. In the end, it is going to be the states and their Departments of Insurance, who are going to have to step up. The states have the power. Only a states’ goverment can issue a license to a company to supply insurance products in their state and, in addition, their Department of Insurance typically approves each insurance product offered in their state. They can demand affordable pricing and regulate margins. If only they would.
Views: 94 Peter Ashton
Facts on Saving For College - Western & Southern
 
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Opportunity “Education is the most powerful weapon which you can use to change the world” – Nelson Mandela Challenge The average 2016-2017 tuition increase was 3.5% at private colleges. The average sticker price for a public 4-year in-state college is $24,930.(source: 2017 College Board Trends) In 2015, young adults with a Bachelor’s Degree earned 64% more than young adults with a High School Diploma - $49,000 vs. $30,000 (source: “Annual Earnings of Young Adults, National Center for Education Statistics, April 2017) Funding a higher education. Are you ready? Talk to one our Financial Representatives for options available to you. Western & Southern Financial Group All companies are members of Western & Southern Financial Group. ©2017 The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, CT, ME, MA, NH, NY and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. VID1237 1711
Views: 66 Western & Southern
Obama: Obamacare is cheaper than your cell phone bill or cable bill
 
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The President claims that Obamacare after subsidies will cost less than your cell phone bill or your cable bill. Currently an average cell phone plan that has a smart phone, two-year upgrade, unlimited calls, unlimited texts and an average of two gigs of downloadable Internet data per month. will run about $90 on Verizon, $80 on AT&T, $70 on Sprint, and $60 on T-Mobile every month. Both Sprint and T-Mobile offer the same plans with unlimited monthly data for $80. Of the Affordable Care Act's "bronze," "silver" and "gold" coverage plans offered on the Washington, D.C. health insurance exchange marketplace, the cheapest middle-of-the-road equivalent silver plan is $181.01 per month, after subsidies, for the lowest age bracket, which covers 27-year-olds and under that make about $25,000 annually. Silver plans must cover 70 percent of all medical costs, according to the law. For the same age group in Pennsylvania, which is one of the 10 cheapest states in which to purchase health insurance on the federal exchange run in 36 states, a silver plan with the same coverage still costs $145 per month. A similar plan under Covered California, the largest state-run exchange with the highest number of enrollees, costs an average of $175. California had the highest number of uninsured Americans nationwide prior to the implementation of the law last October. And even if you with a lowest tier bronze plan, which covers 60 percent of all annual health care expenses included in the plan, you still pay a $124.05 monthly premium in the DC exchange— still almost 70 percent more expensive than the average wireless service bill. And the average cable bill runs about $128 a month in fees for all services, including TV, Internet and phone—nearly three times the $48 they paid each month in 2001, according to estimates by research firm SNL Kagan . That is still less than the cost of the Silver plan in Pennsylvania. Only if you get a worthless Bronze plan that covers next to nothing will the President's claim be even remotely true.
Views: 4860 LSUDVM
Medicare - Do you need an Insurance Agent for Medicare?
 
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Do you need a Medicare insurance agent to get your Medicare? If so, how can you tell when the Medicare insurance agent or Medicare insurance broker has your best interest in mind and isn’t just showing you the highest commission products that are best for his or her pocketbook? In this video; I will reveal a few insights you can use to determine if the Medicare insurance agent you’re consulting with has your best interest in mind, or is keeping important information from you because they are more concerned with commissions than with your best interest. It happens more often than you think! Call us 800-847-9680 Our other videos: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A/ Website Article: https://medigapseminars.org/do-i-need-an-insurance-agent-for-medicare/ Several years ago I wrote an article for my website titled; Do I need an insurance agent for Medicare? The article itself is linked below. Little did I know at the time this would become my most popular article, by a wide margin. It has been read by tens of thousands of people and in each and every state in our country. So, to answer the question posed in the title of this video; Do you need an insurance agent or broker for Medicare? The simple answer is no. You can do this all on your own. But the advice you receive from a good, experienced agent can be invaluable and it will cost you nothing because you don’t pay an insurance agent or broker. But, here’s the catch. When it comes to issues as complex as healthcare we all would like some help. Heck, I find myself wanting “help” or advice on much simpler decisions like choosing a place to eat or clothes to wear. But, none of us want to be sold something. There is a huge difference between working with someone that is offering advice based on their knowledge and experience, versus being sold something. None of us want to walk away from a transaction wondering if what we just purchased was in our best interest or the salespersons. So, with that in mind, here is what you need to know, the knowledge you need to arm yourself and help give you confidence that you’re getting the right advice. First; specializing in Medicare insurance and making a living at it is tough. Unlike other insurance products like life insurance and annuities that have high up-front commission payouts, most Medicare plans spread out the commissions paid to the agent over six to ten years. Because of this, most people that try to specialize in Medicare can’t make a living focusing on Medicare. Think about that for a moment. They might only do insurance part time. Yes there are a large percentage of agents in this industry who tell you they are career agents, but in reality only work insurance part time. I will show you how to tell if that’s the case in a moment. Also, some may be full time in insurance, but their focus is on other insurance products and Medicare is just a small part of their business. First, check out the agent’s website. Is Medicare front and center the primary focus of their business? Or does the website show Medicare as just one of several other insurance areas …are they a jack of all trades, master of none? Second: If the agent doesn’t have a website or perhaps the email address they show is Agent so and so at gmail.com or yahoo.com….that is a clear indication that you are dealing with someone with limited experience or success. Or, very likely a part time insurance person. Websites and personal emails are easy and inexpensive and the first thing a serious independent agent or broker will set-up when they open their doors for business. Third: You might also get a sense that you’re dealing with a part-time agent if they only return calls after hours or you have difficulty spending time with them during regular working hours. Yes, this is more common than most realize. I have heard many times from new clients how the other person they were talking to could never talk with them during the day. They always called back after hours, and it felt strange to them. Their gut was telling them something was off. I believe in paying attention to your gut feelings! for Part D drug plan info visit: http://www.medicare.gov Also visit : https://en.wikipedia.org/wiki/Medigap Get your Medicare Guide to supplements here: https://www.medicare.gov/Pubs/pdf/021... And your Medicare & You Guide here: https://www.medicare.gov/pubs/pdf/100...
Views: 6732 MedigapSeminars.org
Medical Plan Town Hall
 
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Missouri State University will be making changes to the university’s group medical plan for 2019. President Smart and Vice President for Administrative Services Matt Morris discussed upcoming changes and potential options. More information: https://blogs.missouristate.edu/president/2018/09/24/medical-plan-town-hall/
Buying an Insurance Agency: Part 1 - An Introduction to the Agency M&A Market
 
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www.agencybrokerage.com Buying an Insurance Agency -- An introduction to the M&A Market This video is a 24 minute introduction to buying an independent insurance agency, including an introduction to the insurance agency mergers and acquisitions marketplace, how to value an acquisition opportunity as a buyer and structure the acquisition transaction, and the process of actually finding and acquiring an insurance agency. For further information, please see www.agencybrokerage.com. The moderator for the presentation is Michael Mensch, an experienced insurance agency mergers & acquisitions advisor. Copyright 2013. Partial Transcript of "Buying an Insurance Agency -- An Introduction to the Agency M&A Market" Michael Mensch, Certified Business Intermediary, Merger & Acquisition Master Intermediary Agency Brokerage Consultants is a merger & acquisition advisory firm to the insurance brokerage industry. www.agencybrokerage.com Valuation & Planning Services: Insurance agency market valuation; Financial and operational review of an insurance agency; Performance benchmarking against other insurance agencies; Strategic planning for the selling of an insurance agency Sell Side Engagement Services: Insurance agency market valuation; Preparation for selling an insurance agency; Insurance agency buyer discovery and disclosure; Offer negotiation; Due diligence management; Purchase contract review; Contract execution; Post-closing resolutions Buy Side Engagement Services: Prospecting for owners that may want to sell their insurance agency; Owner introduction; Data collection and preliminary valuation of insurance agencies; Offer negotiation; Due diligence management; Purchase contract review/preparation; Contract execution and post-closing resolutions Team credentials include: Merger & Acquisition Master Intermediary; Certified Business Intermediary; Certified Valuation Analyst; Certified Appraiser; Securities & Real Estate brokers Why invest in buying an insurance agency? •It is an investment that you likely understand. •You can often obtain a 25% or better annual return on capital by buying another insurance agency. •It can increase your revenue and cash flow both through the acquisition and through synergies. •It can increase the equity in your insurance agency non-linearly. Where to find opportunities for buying an insurance agency? •Online o Plan to look at 20+ opportunities before having a chance at even being in the game •Talk to people o Plan to wait 2+ years •Do your own prospecting o Plan to make 1,000+ calls •Contact M&A and broker intermediaries that sell insurance agencies o For current opportunities o To get added to their buyer contact list o To prospect on your behalf for agency owners that might want to sell Who is the competition when looking to buy an insurance agency? •National insurance agencies and brokerages •Regional insurance agencies and brokerages •Investment groups •Local insurance agencies and brokerages •Licensed insurance agents There are potentially thousands of would-be buyers of insurance agencies! Difficult for the average insurance agency buyer to find and secure an opportunity! How do you increase your chances of buying an insurance agency? 1. Target buying smaller insurance agencies (under $1M revenue) 2. Widen your buying search criteria 3. Know how large of an agency you can afford to buy 4. Understand the acquisition process 5. Be flexible when structuring a deal 6. Move diligently on acquisition opportunities 7. Hire a professional to search for you Some things to understand You will most likely need: •20-30% of the purchase price for the agency in cash. •to pay a "market value multiple" for an agency. •to deliver 70% or more of the purchase price to the seller at closing. •to demonstrate knowledge of the acquisition process. The seller will most likely: •not care about your successes or that of your company. •move at his/her own speed. •have no empathy for you if you can't close the deal. Part 2 of this video series: What's an Insurance Agency Worth? •Ways to analyze the purchase of an insurance agency as an investment •Understanding transaction terms for acquiring an insurance agency Part 3: The Acquisition Process Our M&A Advisory Value •Originate insurance agency acquisition opportunities •Facilitate discussions between the parties •Perform a pre-due diligence on an insurance agency or brokerage •Assist with drafting and negotiating purchase offers •Assist with due diligence of an insurance agency or brokerage •Assist with financing the purchase of an insurance agency or brokerage •Reduce stress and time on all parties •Make a deal happen!
Views: 3442 AgencyBrokerage
How to Sell Life Insurance - AMAZING!
 
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Access More Videos Uploaded Monthly Exclusive to Members at www.trisTOM.com We have rebranded! Welcome to: trisTOM.com Learn more: https://www.trisTOM.com If you would like more information on life insurance training and in-book policy management, email me at: tristan@tristom.com
Views: 671426 trisTOM
GEHA's Understanding Medicare and the FEHBP Webcast
 
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Are you a federal employee nearing retirement? Now's the time to explore your health benefit options after retirement. Watch this video to learn more about: • Retirement and FEHBP • Understanding Medicare • How Medicare works with GEHA
Views: 2854 GEHAhealth
The Truth About Obamacare
 
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Obamacare facts explained by Stefan Molyneux. A comprehensive look at the Patient Protection and Affordable Care Act (PPACA) and it's implementation. Freedomain Radio is 100% funded by viewers like you. Please support the show by signing up for a monthly subscription or making a one time donation at: http://www.fdrurl.com/donate Bitcoin Address: 1Fd8RuZqJNG4v56rPD1v6rgYptwnHeJRWs Litecoin Address: LL76SbNek3dT8bv2APZNhWgNv3nHEzAgKT Get more from Stefan Molyneux and Freedomain Radio including books, podcasts and other info at: http://www.freedomainradio.com Amazon US Affiliate Link: www.fdrurl.com/AmazonUS Amazon Canada Affiliate Link: www.fdrurl.com/AmazonCanada Amazon UK Affiliate Link: www.fdrurl.com/AmazonUK Freedomain Radio Facebook: http://www.fdrurl.com/fb Freedomain Radio Twitter: https://twitter.com/freedomainradio Freedomain Radio Google+: http://www.fdrurl.com/google Freedomain Radio LinkedIn: http://www.fdrurl.com/LinkedIn http://www.weeklystandard.com/blogs/millions-americans-are-losing-their-health-plans-because-obamacare_764602.html http://www.washingtonpost.com/politics/house-panel-grills-contractors-on-troubled-health-insurance-web-site/2013/10/24/8f42c748-3ca7-11e3-b7ba-503fb5822c3e_story.html?hpid=z1 http://themattwalshblog.com/2013/10/21/the-definitive-guide-to-how-obamacare-is-destroying-american-lives/ http://www.forbes.com/sites/theapothecary/2013/09/25/double-down-obamacare-will-increase-avg-individual-market-insurance-premiums-by-99-for-men-62-for-women/ http://danfromsquirrelhill.wordpress.com/2013/09/24/obamacare-59/ http://news.investors.com/politics-obamacare/101713-669013-obamacare-employer-mandate-a-list-of-cuts-to-work-hours-jobs.htm#ixzz2iemiqA00 http://www.newsmax.com/newswidget/obamacare-house-hearing/2013/10/24/id/532856?promo_code=1160B-1&utm_source=1160BReason&utm_medium=nmwidget&utm_campaign=widgetphase1 http://reason.com/blog/2013/10/23/the-obama-administration-never-ran-a-com
Views: 175843 Stefan Molyneux
Carnivore Diet: Why would it work? What about Nutrients and Fiber?
 
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First 200 people to use this link https://brilliant.org/WIL/ can get 20% off an annual premium subscription to Brilliant! ▲Patreon: https://www.patreon.com/WILearned ▲Twitter: https://twitter.com/jeverettlearned CORRECTION: Shawn Baker has been doing the carnivore diet for about 2 years, not 7. (He started experimenting with low carb paleo about 7 years ago) Website: http://meatheals.com/ This video is a break down of what I thought to be common concerns when it comes to the carnivore diet, recently popularized by Jordan Peterson & His daughter Mikhaila Peterson. Some might call it "extreme" or "dangerous" or "a really bad idea," but is it? Many people are having several health conditions healed by eating this diet, some are having improvements despite having been doing a paleo diet or keto diet. People are having relief from arthritis, psoriasis, and various inflammatory conditions, and yes they are experiencing weight loss too. But what about nutrients? Isn't a lack of vitamin C going to give them all scurvy? What about constipation due to no fiber? And why would cutting out plants heal people? This is what the video addresses. Videos in order of appearance: ・Joe Rogan Experience #1139 - Jordan Peterson | https://www.youtube.com/watch?v=9Xc7DN-noAc ・Thiamin, Carbs, Ketogenic Diets, and Microbes | MWM 2.14 | https://youtu.be/pNAKJgmirak?t=106 ・Dr. Paul Mason - 'From fibre to the microbiome: low carb gut health' | https://youtu.be/xqUO4P9ADI0 ・Sulforaphane and Its Effects on Cancer, Mortality, Aging, Brain and Behavior, Heart Disease & More | https://www.youtube.com/watch?v=zz4YVJ4aRfg ・Maelán Fontes PhD — Food and Western Disease Beyond Nutrients: Antinutrients | https://youtu.be/pb3CFXcqEcI ・AHS17 Lost Seasonality and Overconsumption of Plants: Risking Oxalate Toxicity - Sally Norton | https://youtu.be/i7ArmIYGH0s Not shown, but recommended watching: ・ Dr. Georgia Ede - 'Our Descent into Madness: Modern Diets and the Global Mental Health Crisis' | https://youtu.be/TXlVfwJ6RQU ・ KetoCon 2017 Amber O'Hearn The Carnivorous Human | https://youtu.be/0WJBHEhmXqc PDF OF SCRIPT WITH LINKS TO SOURCES: https://www.patreon.com/posts/21051373 Featured music: Kevin MacLeod - Backed Vibes Clean Broke for Free - Only Knows For Business inquiries: joseph.everett.wil@gmail.com
Views: 712399 What I've Learned
Stop-Loss or reinsurance and Self-funded health insurance
 
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Stop-Loss hangout -Today we'll be talking about: Specifically International self-funded health insurance and Buying Reinsurance • Defining Aggregate and Specific Stop-loss: • One policy with different features, or different policies?   • Can you explain 12/12, 12/15, 15/12 ("run-in, run-out, do the hokie-pokie and turn yourself about") and how they would be used?   • "Lasering"   • How to avoid lasering? More on this topic can be found at: http://www.selffundedhealthinsurance.com/understanding-stop-loss-reinsurance/ or by calling Good Neighbor Insurance at 480-813-9100.
Health Insurance Open Enrollment: Get Answers
 
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Health Insurance Open Enrollment: Get Answers is a production of UNC-TV in association with the North Carolina Hospital Association, representing hospitals and health systems and their mission to provide high quality, affordable healthcare for all.
Views: 63 NC Channel
Thrift Savings Plan Briefing: For Early to Mid-Career
 
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Presented by TSP Agency Liaison Specialist Arvella Collins, Federal Retirement Thrift Investment Board. -- U.S. Department of Health and Human Services (HHS) http://www.hhs.gov We accept comments in the spirit of our comment policy: http://www.hhs.gov/web/socialmedia/policies HHS Privacy Policy http://www.hhs.gov/Privacy.html
Bipartisan Meeting on Health Reform: Part 2
 
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President Obama and Congressional leaders from both parties discuss controlling health care costs at the Blair House in Washington, D.C.
Views: 47847 The Obama White House
Askwith Forum | Leveling the Playing Field for Children (w/ Gov. Deval Patrick)
 
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The Children's Defense Fund has long espoused the philosophy that "children do not come in pieces" rather children need comprehensive, integrated supports and services from birth through adulthood. How does America achieve such given the existing fragmented education and health and human services systems? This forum focuses on forward-looking pieces in the book, Improving the Odds for America's Children: Future Directions and Policy and Practice, which diagnose current obstacles to progress and suggest key ideas for the next 40 years of child and family policy. http://www.gse.harvard.edu/calendar/askwith.html#/?i=7
Views: 2807 HarvardEducation
Medicare Supplement Plans  (What You Need To Know Now)
 
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Medicare supplement plans aka Medicare supplemental plans aka Medigap Plans. This video covers all you need to know about Medicare supplement plans. Call us at 800-847-9680 Our other YouTube Videos: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A Medicare Supplement Educational Seminar-HV Call 1-800-847-9680 See our entire series on Medicare: https://medigapseminars.org/on-demand-webinar/ http://medigapseminars.org An independent Medicare Insurance broker Facebook: https://www.facebook.com/MedicareWebinars/ Contact Us: https://medigapseminars.org/contact-us/ Quote Comparison Request: https://medigapseminars.org/home-page/m-quote-request/ This 30-minute presentation is Part 6 of our free online, on-demand video series All About Medicare. Get your pen and notebook, this Medicare Supplement Online Seminar is filled with details you need to know when shopping for or considering a Medicare Supplement plan vs. a Medicare Advantage Plan. We discuss different pricing methods along with state laws that impact both the price and value of Medigap Plans. We talk about choosing where to buy your plan if you are a Snowbird or simply travel between two states. We also talk about the changes in Medicare plans and how they will impact Medigap Plan C and Medigap Plan F in 2020. This free Medicare supplement online seminar has everything you need to know about Medicare Supplement plans and how to find the best plan available for your needs and budget. Independent Medicare Insurance Agent Medicare for Snowbirds South Florida Medicare Plans New Jersey Pennsylvania Indiana Florida Vermont Oklahoma South Carolina Nebraska
Views: 9107 MedigapSeminars.org
Second Annual Duke-Margolis Conference on Real-World Data and Evidence
 
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Convened by the Robert J. Margolis, MD, Center for Health Policy at Duke University, the Second Annual Duke-Margolis Conference on Real-World Data and Evidence will bring together top experts and speakers to examine topics related to the use of real-world data (RWD) and evidence (RWE) in drug development and regulatory decision-making. Workshop sessions will highlight emerging takeaways from two working papers : “Characterizing the Quality and Relevancy of RWD for Regulatory Purposes”, which will be released ahead of the event, examines the process and factors that should be considered while characterizing RWD quality and relevancy for regulatory purposes “Meeting Regulatory Standards with Fit-For-Purpose RWE”, which is still in active development and will be informed by discussion at this event, focuses on the process for determining the regulatory acceptability of observational studies
Views: 1697 Duke Margolis
Self-funded vs. Fully-covered Insurance - "How much can I save?"
 
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A discussion regarding the real savings on premium associated with self-funded your health insurance plan within your organization - Especially focused on sending agencies, international organizations, NGOs and non-profit or faith-based agencies. A group discussion with Dale and Brian Bear of ESI, Doug Gulleson, VP and Co-owner of Good Neighbor Insurance, and Pei Hsieh, Group Manager at Good Neighbor Insurance.
FULL VIDEO: First debate between Ted Cruz and Beto O'Rourke
 
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The hour-long debate in Dallas, hosted by KXAS, The Dallas Morning News and Southern Methodist University, took place at SMU in front of a rowdy live audience.
Views: 482414 kxan
Health Care Reform (U1025) - Full Video
 
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Milton Friedman, 1976 Nobel Prize, Economics and Alain Enthoven, PhD Economics. What can be done to control health care costs? What is the origin of employer paid health benefits? Can market forces solve the problem? Are managed care plans a promising approach to the problem? ©1992/57 min. Check out our Facebook page here: www.facebook.com/FreeToChooseNetwork Visit our media website to find other programs here: http://freetochoosemedia.org/index.php Connect with us on Twitter here: https://twitter.com/FreeToChooseNet Learn more about our company here: http://freetochoosenetwork.org Shop for related products here: http://www.freetochoose.net Stream from FreeToChoose.TV here: http://freetochoose.tv
Population Health Management: Improving Health Where We Live, Work, and Play
 
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Health care costs continue to soar, taking large portions of business, government, and consumer budgets. While costs are rising, health and well-being are declining. Dr. Ron Loeppke and Dr. Jeanette May help participants recognize the social, economic, and physical factors that contribute to health and learn how employers and communities can work together to control health care spending and improve health using a population health management approach. Comments on this video are allowed in accordance with our comment policy: http://www.cdc.gov/SocialMedia/Tools/CommentPolicy.html This video can also be viewed at http://www.cdc.gov/diabetes/ndep/videos/population-health-management-webinar-low-res-video.mp4
24 MILLION To Lose Health Insurance Under TrumpCare
 
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Trump promised everyone would be covered under his plan. He lied. A lot. Cenk Uygur, host of The Young Turks, breaks it down. Tell us what you think in the comment section below. http://tytnetwork.com/go "The Congressional Budget Office (CBO) on Monday released its score of the GOP's plan to replace the Affordable Care Act (ACA), or Obamacare, projecting that 14 million people would lose coverage by 2018 if the Republican bill is implemented. And that number would rise to 24 million by 2026. Additionally, the plan would lead to higher deductibles and other cost-sharing payments. In short, as Sen. Bernie Sanders (I-Vt.) wrote on Twitter, "The Republican healthcare plan: less healthcare for you, bigger salaries for healthcare CEOs. Republican priorities!” And the broader popular movement actively resisting the repeal and replace effort latched onto details of the CBO findings to highlight the inherent cruelty of the GOP's approach. LeeAnn Hall, co-director of People’s Action who also serves on the executive committee of advocacy group Health Care for America Now (HCAN), called on the House leadership to immediately halt further action on what she termed the "irresponsible" AHCA. The CBO numbers, said Hall in statement, "clearly show the serious damage the repeal legislation will do to millions of lives by next year – and millions more in the next few years. Anyone who believed GOP promises that people would still have health insurance under the Republican repeal plan now know that they were lied to; they are going to be left out in the cold.””* Read more here: http://www.commondreams.org/news/2017/03/13/cbo-trumpcare-would-wipe-out-coverage-24-million-people Hosts: Cenk Uygur Cast: Cenk Uygur *** The Largest Online News Show in the World. Hosted by Cenk Uygur and Ana Kasparian. LIVE STREAMING weekdays 6-8pm ET. http://www.tytnetwork.com/live Young Turk (n), 1. Young progressive or insurgent member of an institution, movement, or political party. 2. Young person who rebels against authority or societal expectations. (American Heritage Dictionary) Download audio and video of the full two hour show on-demand + the members-only post game show by becoming a member at http://www.tytnetwork.com/join/. Your membership supports the day to day operations and is vital for our continued success and growth. Get The Young Turks Mobile App Today! Download the iOS version here: https://itunes.apple.com/us/app/the-young-turks/id412793195?ls=1&mt=8 Download the Android version here: https://play.google.com/store/apps/details?id=com.tyt
Views: 159018 The Young Turks
Federal Statistics on Health Insurance
 
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August 18, 2014 - The Census Bureau and the National Center for Health Statistics conduct a technical meeting to provide background information on the various measures of health insurance coverage.
Views: 282 uscensusbureau
Sounding the Alarm on Individual Health Insurance Market
 
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Minnesota Department of Commerce Commissioner Mike Rothman released details Friday, September 30, about the steep premium increases in the 2017 individual health care market Roughly five percent of Minnesotans who do not have access to employer-based health care coverage purchase coverage through the individual market. The enrollment period for 2017 begins November 1, 2016 and runs through January 31, 2017. Noting the over 50 percent rate hikes, Commissioner Rothman pointed to serious and troubling trends in the individual health insurance marketplace, and urged legislators to take action to address the instability. While acknowledging that the news is discouraging, MNsure CEO Allison O’Toole reminded Minnesotans that MNsure has trained staff available statewide to help with enrollment,. She said that over 100,000 Minnesotans are currently not taking advantage of the tax credits available by enrolling through MNsure.
High Salary Jobs in Qatar
 
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High Paid jobs offered in Qatar. How much doctors, engineers, managers, IT professional, technicians, bankers, nurses can earn in Qatar. Send your CV at cv@jobz-gate.com Currently they have job openings with good salaries.
Views: 858995 GoAbroad
Strategies for Improving CAHPS Health Plan Survey Scores
 
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Video of a PowerPoint presentation from April 13, 2016. It is moderated by Susan Edgman-Levitan and speakers are Karen Posey and Graham Bouldin. This free Webcast from the Agency for Healthcare Research and Quality (AHRQ) featured innovative strategies used by two Medicaid health plans to significantly improve their scores on the CAHPS Health Plan Survey. Speakers from health plans in Ohio and Oregon highlighted the specific improvement strategies they implemented, barriers they addressed, results they achieved, and key lessons they learned. The Webcast also featured a newly revised version of the CAHPS Ambulatory Care Improvement Guide, a comprehensive and free resource for medical groups, health plans, and other providers seeking to improve their scores on the CAHPS ambulatory care surveys. Video also at: http://www.ahrq.gov/cahps/news-and-events/events/20160413/webcast-041316-video.html
Views: 204 AHRQ Patient Safety
Financial Costs and Considerations for Health Coverage Through the Affordable Care Act
 
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On September 9, 2014, SAMHSA's Office of Behavioral Health Equity (OBHE) hosted a webinar to help families, providers and community agencies understand the financial costs and considerations of health coverage under the ACA. For more information on OBHE outreach and enrollment efforts, visit http://beta.samhsa.gov/behavioral-health-equity/resources.
Views: 93 SAMHSA
Jim Yong Kim: “Ending Poverty: How Health and Innovation Can Lead the Way”
 
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"By 2030, we will be the first generation in human history to end extreme poverty," shared World Bank Group President Jim Yong Kim at the Stanford Global Development and Poverty Initiative's inaugural "Shared Prosperity and Health" conference on October 29, 2015. During his keynote, Kim argued that both individuals and society as a whole benefit when public and private actors invest in global health and development. Learn more about the conference here: http://stanford.io/1ku4XPR. Read more takeaways from his talk on Twitter: http://stanford.io/1ku52TC.
Google I/O Keynote (Google I/O '17)
 
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Join us to learn about product and platform innovation at Google. See all the talks from Google I/O '17 here: https://goo.gl/D0D4VE Watch more Android talks at I/O '17 here: https://goo.gl/c0LWYl Watch more Chrome talks at I/O '17 here: https://goo.gl/Q1bFGY Watch more Firebase talks at I/O '17 here: https://goo.gl/pmO4Dr Subscribe to the Google Developers channel: http://goo.gl/mQyv5L #io17 #GoogleIO #GoogleIO2017
Views: 3033595 Google Developers
10 Top Tips for Practical Immortality
 
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Support our efforts to make videos about what we want: https://www.patreon.com/toptenz/overview Check my other channel TodayIFoundOut! https://www.youtube.com/user/TodayIFoundOut →Subscribe for new videos every day! https://www.youtube.com/user/toptenznet?sub_confirmation=1 Find more lists at: http://www.toptenz.net Entertaining and educational top 10 lists from TopTenzNet! Subscribe to our Facebook: https://www.facebook.com/TopTenz/ Business inquiries to admin@toptenz.net Other TopTenz Videos: 10 Crazy Attempts at Immortality Throughout History https://youtu.be/xhzCQTfwqPw Top 10 Ways Science Could Extend Your Lifespan https://youtu.be/LOTUPOwsA2A Text version: https://www.toptenz.net/10-top-tips-for-practical-immortality.php Coming up: 10. Take supplements 9. Watch what you eat… 8. …but eat less of it 7. Get into shape 6. Stay safe 5. Minimize stress and get plenty of sleep 4. Get out more 3. Have sex daily 2. Support causes 1. Have a backup plan Source/Further reading: http://www.sentientdevelopments.com/2008/03/8-tips-to-dramatically-improve-your.html https://www.youtube.com/watch?v=GyP23XFF-ZA https://www.newyorker.com/magazine/2017/04/03/silicon-valleys-quest-to-live-forever https://thequantifiedbody.net/framework-increase-longevity-end-aging-aubrey-de-grey/ https://www.theroot.com/heres-how-many-people-police-killed-in-2017-1821706614 http://blog.lifeextension.com/2013/09/tips-to-step-up-your-health.html https://www.webmd.com/depression/news/20171023/more-evidence-that-depression-shortens-lives#1 https://www.livescience.com/17314-tips-live-longer-longevity.html https://www.reddit.com/r/Futurology/comments/3fri9a/ask_aubrey_de_grey_anything/ctr8mzo/ https://pixabay.com/ru/%D1%81%D1%82%D0%B0%D1%80%D1%8B%D0%B9-%D0%BC%D1%83%D0%B6%D1%87%D0%B8%D0%BD%D0%B0-%D0%BF%D0%BE%D1%80%D1%82%D1%80%D0%B5%D1%82-%D1%83%D0%BB%D0%B8%D1%86%D0%B0-2687112/ https://en.wikipedia.org/wiki/File:SENS_FOUNDATION_-_AUBREY_DE_GREY_(6838320854).jpg https://pixabay.com/ru/%D0%B1%D0%B5%D1%81%D0%BA%D0%BE%D0%BD%D0%B5%D1%87%D0%BD%D0%BE%D1%81%D1%82%D1%8C-%D0%B1%D0%B5%D1%81%D0%BA%D0%BE%D0%BD%D0%B5%D1%87%D0%BD%D1%8B%D0%B5-%D0%BF%D0%BE%D0%B2%D1%82%D0%BE%D1%80%D0%B5%D0%BD%D0%B8%D0%B5-1837437/ https://pixnio.com/free-images/science/medical-science/medicines-drugs/probiotics-pills-and-dietary-supplements-725x408.jpg https://commons.wikimedia.org/wiki/File:Facilitator_Stephen_Coles_(13925544903).jpg https://www.flickr.com/photos/ryansnyder/13621543955 https://health.mil/-/media/Images/MHS/Photos/weight-sup.ashx https://i.ytimg.com/vi/5YQDd8whJAA/maxresdefault.jpg https://pixnio.com/free-images/2017/03/13/2017-03-13-09-06-59-725x544.jpg https://pixabay.com/ru/%D0%BD%D0%B5%D0%B7%D0%B4%D0%BE%D1%80%D0%BE%D0%B2%D0%B0%D1%8F-%D0%B4%D0%B8%D0%B5%D1%82%D1%8B-%D0%BF%D0%B8%D1%89%D0%B5%D0%B2%D1%8B%D0%B5-%D0%BF%D1%80%D0%BE%D0%B4%D1%83%D0%BA%D1%82%D1%8B-1336508/
Views: 28582 TopTenz